This User Agreement (“User Agreement”) governs access to and use of the SAFRA Gamification Platform (the “Platform”), operated by the Operator (“Operator”) on behalf of the SAFRA National Service Association (“SAFRA”).
The Platform forms part of SAFRA’s online services. This User Agreement is to be read together with, and supplements, the SAFRA Website Terms of Use and the SAFRA Privacy Policy (together, the “SAFRA Policies”), as well as the SAFRA Gamification Platform Code of Conduct (the “Code of Conduct”), which is incorporated into this User Agreement by reference.
By registering for, accessing, or using the Platform, you agree to be bound by this User Agreement, the SAFRA Policies, and the Code of Conduct. If you do not agree, you must not register for or use the Platform.
If you are below the age of 16.5 years, you may use the Platform only with the involvement of a parent or legal guardian. You represent and warrant that your parent or legal guardian has reviewed and agreed to this User Agreement on your behalf and has authorised your use of the Platform.
This User Agreement does not stand alone. It applies in addition to the SAFRA Policies and must be read consistently with them.
Capitalised terms not defined in this User Agreement have the meaning given to them in the SAFRA Policies.
The Platform is available to Singapore citizens and permanent residents located in Singapore.
SAFRA employees (permanent or temporary) and employees of the Operator are allowed to participate in the Games but will not be eligible for competitions and/or to win prizes.
To access certain Platform features, you must register with a valid email address. Authentication is performed through a One-Time Password (“OTP”) sent to the email address you provide.
As with any SAFRA account, you are responsible for maintaining the confidentiality of your account and for all activities that occur under it. In particular, you are responsible for:
The Operator may suspend or terminate accounts where false, invalid, temporary, disposable, or inaccessible email addresses are used.
The Platform is one of SAFRA’s “Platforms” as defined in the SAFRA Privacy Policy. The collection, use, disclosure, processing, and protection of your personal data in connection with the Platform are governed by the SAFRA Privacy Policy, in accordance with the Personal Data Protection Act 2012 (“PDPA”). By accessing the Platform, you consent to SAFRA’s collection of your personal data for purposes such as participating in the game, campaign or activity, user authentication and agree that SAFRA may, for this purpose(s), collect, use and/or disclose your personal data in accordance with the terms and conditions in this User Agreement and SAFRA Privacy Policy.
For transparency, personal data and records processed for the operation of the Platform may include:
Such data is processed for purposes including user authentication; administration of campaigns and competitions; points calculation and reward fulfilment; fraud prevention and platform security; investigating misuse or breaches; and generating usage statistics and reports. These purposes are consistent with, and form part of, the purposes set out in the SAFRA Privacy Policy.
Personal data may be hosted and processed on systems located in Singapore. Any transfer or hosting of personal data outside Singapore will be carried out in accordance with the SAFRA Privacy Policy and the PDPA. Questions, access or correction requests, and withdrawals of consent relating to personal data may be directed to SAFRA’s Data Protection Officer at dpo@safra.sg.
The Platform may include games, quizzes, educational content, campaigns, competitions, challenges, leaderboards, and other activities.
SAFRA and the Operator may add, modify, suspend, or discontinue any game, campaign, activity, or feature at any time without prior notice. Campaign rules, reward criteria, points allocation mechanisms, eligibility, and redemption requirements may differ between campaigns. Additional campaign-specific rules may apply and shall form part of this User Agreement.
The details on campaign-specific rules shall be provided on the Platform at each game, campaign or activity level.
You may earn points through participation in games, quizzes, campaigns, competitions, or other activities. Points:
The Operator reserves the right to determine, verify, adjust, withhold, remove, or invalidate points where errors, abuse, fraud, technical issues, or breaches of this User Agreement or the Code of Conduct are identified.
Rewards may include vouchers, merchandise, event tickets, experiences, or other items as determined by SAFRA or the Operator. Reward availability is subject to stock, campaign conditions, verification requirements, and other applicable criteria. Certain rewards may require collection at designated SAFRA locations or other collection points.
SAFRA and the Operator reserve the right to substitute rewards with alternatives of similar nature or value, amend redemption requirements, modify reward inventories, or withdraw rewards without prior notice. Unless expressly stated otherwise, rewards are non-transferable and non-exchangeable.
The Platform may display public campaign leaderboards showing masked derivatives of usernames (a***k@g***m), rankings, scores, achievements, or other competition-related information. The publication of such information is consistent with the purposes set out in the SAFRA Privacy Policy.
Participation in campaigns may be based on skill, achievement, chance, or a combination thereof, as determined by the applicable campaign rules. The Operator’s determination of scores, rankings, winners, rewards, eligibility, and campaign outcomes shall be final and binding.
You must use the Platform fairly and lawfully, and in accordance with the Code of Conduct. Without limiting the SAFRA Website Terms of Use (including its restrictions on data mining, robots, and similar data-gathering or extraction tools), you must not:
The Operator may investigate suspected violations and take any action it considers appropriate, including the enforcement actions set out in the Code of Conduct.
Consistent with SAFRA’s right to refuse service and terminate accounts under the SAFRA Website Terms of Use, the Operator may suspend, restrict, or terminate any account immediately and without prior notice where:
Suspended or terminated users may lose access to points, rewards, campaign participation records, and other Platform benefits.
All Platform content, including software, graphics, games, quizzes, text, artwork, branding, designs, logos, and educational materials, remains the property of SAFRA, the Operator, their licensors, or respective rights holders. Your use of such content is subject to the copyright, trademark, and licence provisions of the SAFRA Website Terms of Use. No rights are granted except the limited right to use the Platform for personal, non-commercial purposes in accordance with this User Agreement.
The Platform is provided on an “as is” and “as available” basis, consistent with the warranty disclaimer in the SAFRA Website Terms of Use. Neither SAFRA nor the Operator guarantees that the Platform will operate uninterrupted or error-free, that scores, rankings, points, or rewards will be accurately recorded at all times, or that defects will be corrected within any specified timeframe. Maintenance, upgrades, technical issues, security incidents, or circumstances beyond reasonable control may affect availability.
To the maximum extent permitted by Singapore law, and consistent with the limitation of liability in the SAFRA Website Terms of Use, SAFRA, the Operator, and their respective officers, employees, contractors, agents, and service providers shall not be liable for any indirect, incidental, special, punitive, or consequential loss or damage, or any loss of profits, data, or business, arising from or relating to:
Nothing in this User Agreement excludes or limits any liability that cannot be excluded or limited under applicable law.
The Platform may rely on third-party hosting providers, cloud infrastructure, email delivery services, analytics tools, software components, and other supporting services. Consistent with the SAFRA Website Terms of Use, neither SAFRA nor the Operator is responsible for the acts, omissions, availability, or performance of third-party service providers.
You may request deletion of your account through the Platform’s account-management functions where available, or by contacting SAFRA. Upon deletion, access to your account, campaign history, points, rewards, rankings, and related records may be permanently lost. Personal data will be retained and deleted in accordance with the retention provisions of the SAFRA Privacy Policy, and may be retained where required for security, audit, fraud-prevention, legal, regulatory, or operational purposes.
SAFRA and the Operator may amend this User Agreement at any time. The updated User Agreement will be published on the Platform and take effect upon publication unless otherwise stated. Consistent with the SAFRA Website Terms of Use, your continued use of the Platform after publication constitutes acceptance of the amended User Agreement, whether or not actually reviewed by you.
This User Agreement is governed by and construed in accordance with the laws of the Republic of Singapore.
Any dispute arising out of or in connection with this User Agreement or the use of the Platform shall be resolved in accordance with the dispute resolution provisions of the SAFRA Website Terms of Use (which provide for arbitration administered by the Singapore International Arbitration Centre, save for SAFRA’s right to seek injunctive or other relief in the Singapore courts in respect of intellectual property). This clause ensures that the resolution of disputes under this User Agreement is consistent with, and does not contradict, the SAFRA Website Terms of Use.
If any provision of this User Agreement is found to be invalid or unenforceable, it shall be severed without affecting the remaining provisions. The general provisions of the SAFRA Website Terms of Use (including those relating to electronic communications, severability, and waiver) apply to your use of the Platform.
Questions about this User Agreement or the Platform may be directed to the Operator through the contact details published on the Platform. Questions or requests relating to personal data should be directed to SAFRA’s Data Protection Officer at dpo@safra.sg.
